Products liability claims and lawsuits can be complex, potentially involving alleged design defects, manufacturing defects and warning and instruction defects. A common thread in all product liability claims is the need for manufacturers, distributors and [...]

Property risks continue to grow more complex. Extreme weather events can take properties offline for months, or more, and getting back in business can be more complicated than you think. Damage to today’s sophisticated technology can cause [...]

For healthcare businesses, research shows that new employees may be at a higher risk of work-related injuries during their first year on the job, compared to employees with more than a year’s tenure. An analysis [...]

Technology has helped to prevent auto theft in significant ways. Engine immobilizers, keyless entry and ignition, audible alarms and vehicle recovery systems have generally made cars harder to steal and easier to recover. But even [...]

You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage for certain items – including generally expensive items – that are damaged or stolen. For example, [...]

Key takeaways A certificate of insurance (COI) provides proof that insurance coverage is in force at a specific point in time. COIs are commonly needed in contracts, leases and vendor or contractor agreements. A COI summarizes key [...]

In general, if your pool is damaged by a covered peril, it will be covered under your homeowners insurance policy. The way your policy is written will determine whether your pool is considered part of your home [...]

Wildfires can pose particular dangers to both lives and property because they often begin unnoticed and can spread quickly. According to the Insurance Institute for Business & Home Safety (IBHS), windborne embers present a significant threat [...]

Many contracts involving the sale or exchange of goods and services may require surety bonds. This scenario applies beyond construction to include service contractors, manufacturers, underground utilities operations, building materials suppliers and installers, and retailers and wholesalers. [...]

Many business owners today don’t think about it once their policy has been issued. But that may be a critical mistake. In fact, an estimated 22% of small businesses are underinsured. Especially when a small [...]